Gnosis Pay lets a Card Safe answer at checkout.

The Gnosis Pay spending module connects card authorisation to the Card Safe. It allows the payment programme to use supported assets within defined spending limits while the wider wallet remains under the user's control.

Current limits allow up to 5,000 EURe, GBPe or USDCe in one transaction and 8,000 over a rolling 24 hours. They bound the card's spending authority while the rest of the wallet remains outside the transaction.

Safe wallet infrastructure, Gnosis Pay, Monavate, Paymentology and Visa each perform a different part of the journey. By the time money reaches the terminal, the unusual work has already been organised beneath it and the purchase feels familiar.

On 1 June 2026, attackers exploited a vulnerability in the Zodiac Delay and Roles Modules used with Gnosis Pay card-safe infrastructure. Around $1.5 million was extracted. Gnosis paused card services, isolated the affected path and repaired the modules before service resumed in phases.

Gnosis absorbed the loss and restored all user balances; its post-mortem states that no user ultimately lost funds. The replacement modules received focused external review, while the company widened its audit and dependency-monitoring work.

The episode belongs inside the product assessment because the module is central to the card's design. User control protects the wider account boundary, while programmable payment access introduces code and dependency risk at the point where the card reaches into the Safe. The recovery was decisive; the architecture still deserves to be understood in full.

Only three stablecoins currently form the direct card balance: EURe, GBPe and USDCe on Gnosis Chain. An identically named asset on another network does not acquire card access simply because it appears in the same wallet interface.

This creates a clean settlement model and a less flexible funding map. Someone already active on Gnosis Chain can move straight into the Card Safe. Assets arriving from Ethereum, an exchange or another network may need a third-party swap or bridge, whose fee, execution and availability sit outside Gnosis Pay's card pricing.

The chain requirement is therefore the product decision to examine first. It rewards a user who wants one purposeful onchain account for spending. A multi-chain portfolio gains another preparation step before the card becomes useful.

Own-name transfers can arrive through the personal IBAN around the clock and may settle instantly. The documented limits are EUR 950 a day, EUR 5,000 a week and EUR 20,000 a month. Gnosis Pay lists no receiving fee, although the sending bank can still charge for its side of the transfer.

Third-party transfers follow a narrower operating window. They are reviewed manually from Monday to Friday between 09:00 and 16:00 UTC, and can be delayed or rejected. The route works best as a personal funding instrument, exactly as the account ownership suggests.

The IBAN does not provide a symmetrical withdrawal button. Sending EURe back to a bank account uses supported partner wallets or Monerium's own process, with the available fee, limit and timing shown along that route.

Participation requires an opt-in. Qualification comes from holding GNO in the Card Safe, and no fixed lockup applies. Because the lowest balance during the measurement week determines the band, briefly moving below a threshold can change that week's reward.

Holding 0.1 GNO earns 1% on up to $250 of eligible weekly spend. The next bands are 1 GNO for 2% on $375, 10 GNO for 3% on $500 and 100 GNO for 4% on $1,250. Rewards arrive as GNO in the same Card Safe.

An OG NFT in the Card Safe adds one percentage point when at least 0.1 GNO is also present, lifting the published maximum to 5%. These terms belong to the Intermediary Cashback Programme running through 30 September 2026; a later programme would need its own schedule.